Effective July 1, 2010

Share Certificates - Dividends paid quarterly
Minimum Amount Term APR* APY**
$500 6 months 1.25% 1.256%
$500 12 months 1.50% 1.508%
Early withdrawal penalties will apply.
       
High Yield Shares - Dividends paid quarterly
Minimum Amount APR* APY**
$1,000 to $4,999 0.60% 0.602%
$5,000 to $14,999 0.80% 0.803%
$15,000 to $39,999 1.00% 1.004%
$40,000 and greater 1.20% 1.206%
     
Share Draft (checking) - Dividends paid monthly
Minimum amount to receive dividend APR* APY**
$300.00 0.75% 0.752%
     
Share Deposits - Dividends paid quarterly
Minimum amount to receive dividend APR* APY**
$25.00 0.50% 0.501%
     

*Annual Percentage Rate
**Annual Percentage Yield